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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $33,050 | $81,504-59.4% | $102,437-67.7% | $80,959-59.2% |
| Participation rate | 61.0% | 66.9%-5.9pp | 74.5%-13.5pp | 67.7%-6.7pp |
| Annual return | 8.56% | 25.60%-17.0pp | 24.95%-16.4pp | 35.67%-27.1pp |
| Employer contribution / active EE | $1,234 | $3,104-60.2% | $3,871-68.1% | $2,757-55.2% |
| Participant deferral / active EE | $2,118 | $3,871-45.3% | $5,060-58.1% | $4,300-50.7% |
| Admin fee / account holder | $3,969 | $6,719-40.9% | $8,388-52.7% | $6,925-42.7% |